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About the Role

Shape the credit decisions that power HSBC’s Corporate & Institutional Banking relationships. As an Associate Director, Business Credit Office (BCO) within Credit & Capital Management (CCM COO), you will partner with Coverage, Transaction Support, and Risk to deliver high-quality credit outcomes while prioritizing risk and controls. This role offers visibility and impact by driving a globally consistent credit operating model, implementing smarter ways of working through digital and process improvement, and fostering confident decision-making.

Responsibilities

Deliver BCO outputs in line with agreed performance measures, ensuring high-quality, timely execution.
Lead and manage the end-to-end CCM journey, creating a seamless and efficient process for customers and internal stakeholders.
Embed exemplary first line of defence risk management and control standards across underwriting and lending processes.
Proactively identify and anticipate portfolio and macro/micro credit risks, escalating issues and supporting rapid portfolio reviews and underwriting criteria changes where needed within identified Sectors.
Partner closely with Coverage, Transaction Support and Risk to structure deals, perform credit analysis/rating recommendations, support credit monitoring and manage documentation as primary credit risk contact.
Drive continuous improvement in productivity and client experience, including adoption of technology/digital and alignment to a globally consistent Credit & Lending operating model.
Monitor and analyse customer/stakeholder feedback and use insights to improve outcomes and service consistency.
Support people leadership outcomes including talent/performance management and succession planning, building a diverse, innovation-driven and highly engaged team.

Requirements

Degree in Business/Finance/Economics (or equivalent); professional qualifications (e.g., CFA/Chartered Banker) desirable, or strong tenured experience in credit analysis/approvals.
Strong understanding of Corporate and Institutional Banking and corporate lending.
Sector expertise in areas such as Consumer, TMT, Industrials, highly desirable.
Proven experience managing/analysing corporate credit risk / lending-related products.
Mandatory knowledge of Investment Banking products (e.g., Securities, Treasury, FX, Derivatives) and awareness of ESG/Climate risk.
Strong stakeholder management and influencing skills across Business and Risk, balancing commercial outcomes with robust risk management.
Expertise in credit risk management, control assessment, and operationalising policies/procedures in line with Group standards; excellent analytical, problem-solving and credit writing skills in English.
Excellent analytical and critical thinking skills with the ability to assess complex credit scenarios.

Skills

Credit analysis
Credit risk management
Lending
Stakeholder management
Influencing skills
Analytical skills
Problem-solving
Credit writing
Critical thinking
Investment Banking products
ESG/Climate risk awareness

Location

Work Type

Full-time

Experience Level

Associate Director
Senior

Education Level

Degree in Business/Finance/Economics or equivalent
Professional qualifications (e.g., CFA/Chartered Banker) desirable

Benefits

Tailored professional development opportunities
Competitive pay and benefits package
Private healthcare for all UK-based employees
Enhanced maternity and adoption pay and support
Contributory pension scheme with a generous employer contribution

About the Company

HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories.
We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

Equal Opportunity

Being open to different points of view is important for our business and the communities we serve.
At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, socio-economic background or age.
We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.
We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role.
If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via hsbc.recruitment@hsbc.com.